Get personal loans, business loans, and promissory notes notarized online in 15 minutes. Available 24/7 from anywhere.
Remote online notarization supports all major types of loan documents. Here are the most common loan agreements that can be notarized online:
Unsecured personal loans, debt consolidation agreements, and personal financing contracts.
SBA loans, business lines of credit, commercial financing agreements, and working capital loans.
Legal promises to repay debt with specific terms, interest rates, and payment schedules.
Changes to existing loan terms including payment adjustments, interest rate changes, and term extensions.
Private student loan agreements, cosigner forms, and loan consolidation documents.
Second mortgages, home equity lines of credit (HELOCs), and cash-out refinances.
Vehicle financing agreements, auto refinancing documents, and car title loans.
Peer-to-peer loan contracts through platforms like LendingClub, Prosper, and Upstart.
Documents transferring loan responsibility from one party to another.
Third-party payment guarantees and co-signer acknowledgment forms.
Remote online notarization (RON) is legal in all 50 states and has been widely adopted by financial institutions since 2019. The ESIGN Act (Electronic Signatures in Global and National Commerce Act) gives online notarized loan documents the same legal standing as traditional notarization.
Major lenders and financial institutions accept RON loan documents:
Court admissibility: Online notarized loan documents are admissible in all U.S. courts. The digital audit trail (video recording, ID verification, timestamps) actually provides stronger evidence than traditional notarization.
To notarize loan documents online, you need:
Driver's license, passport, or state-issued ID card
PDF or digital copy of your loan agreement
Webcam and high-speed internet connection
Must be 18+ years old to sign loan documents
Important: You do NOT need witnesses for most loan documents. Only specific financial instruments (like some promissory notes) may require witnesses, and the online notary will inform you if needed.
The online loan notarization process is simple and takes about 15 minutes from start to finish:
Create an account on Notarize or NotaryLive and upload your loan agreement, promissory note, or other loan document. The platform accepts PDF, Word, and most common file formats.
Complete knowledge-based authentication (KBA) by answering questions about your credit history and personal background. Then scan your government-issued ID for verification.
Connect via live video with a commissioned notary public. The notary will verify your identity visually, review the loan document, and confirm your willingness to sign.
Electronically sign the loan document using your mouse, trackpad, or touchscreen. The notary will apply their digital seal and notarial certificate with timestamp.
Receive your notarized loan document immediately. Download the PDF with the notarial certificate and send it directly to your lender or financial institution.
These platforms specialize in fast, reliable online notarization for loan documents:
Platform selection tip: Choose Notarize for business loans and complex lending agreements. Choose NotaryLive for personal loans, promissory notes, and student loans to save money.
Cost comparison: Traditional in-person notarization costs $5-$15 per signature BUT requires travel, appointment scheduling, and typically business hours only. Online notarization costs more per session but saves time and offers 24/7 convenience.
Business loan tip: Some lenders reimburse notarization fees for business loans. Ask your loan officer if this applies to your situation.
Start your online notarization in 2 minutes. Available 24/7 for all loan types.
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